Annual Yard Sale

4 | The Columns Island Visitor Publishing, LLC • March 2020 • 941.349.0194 • www.TWHOA.net 18 | The Columns Island Visitor Publishing, LLC • April 2019 • 941.349.0194 • www.twhoa.net Shift HELP ? / Bob He� – (239) 215-2050 I Come to You! Tech Problems bob@suntechins�tute.com Our Services Whether you need help with your computer, smartphone, or automating your home — SunTech can help. Learn to make the best use of your Phone, Tablet, Smart Speaker & Computer! — $30/hr. + $10/home visit We’ll help you gure out what to buy, set it up & show you how to make the most of it. NEW—Help to Automate Your Home!  Apple & Android Tablets & Phones  Windows, Mac & Chromebooks  Virus Removal & PC Tune-Ups  Wireless Network & Internet Help  Printer Setup & Support  In Home Training & Support The Pickleball Team will be sponsoring a “Spring Carnival” event on Saturday, April 20th, at the Clubhouse. The evening will include carnival games, light snacks, music, dancing and a social event. BYOB. The event will run from 6:30 to 9:30 PM, with doors opening at 6:00 PM. We hope everyone can join us for an evening of fun and companionship. Please see the poster in the Clubhouse. If you have a question, contact: Diane Gibson, 603-244-0536 AEROBICS Get your body moving in the Clubhouse with Richard Simmons!! Meets Tuesdays and Thursdays at 8:00 AM: - CARDIO 8:00 - 8:25 AM -TONING 8:25-8:40 AM (bring weights or water bottles) - FLOOR 8:40 - 8:50 AM (bring a mat) - BALANCE 8:50-9:00 AM Meets Tuesdays and Thursdays at 12:45 PM: - CARDIO 12:45 -1:10 PM - TONING 1:10-1:25 PM (bring weights or water bottles) - FLOOR 1:25-1:35 PM (bring a mat) - BALANCE 1:35-1:45 PM Come for all the sessions or one of the segments that you are interested in. For more information contact Lynn Makia 513-476-2465 or Barb Simonson 541-840-4430 PICKLEBALL TEAM Attention All Tara Woods Golfers: There will be a golf meeting at the Clubhouse on Saturday, April 27th, at 9:30 AM, to discuss the upcoming Golf League. Please bring any questions to the meeting for discussion. Look forward to seeing everyone there. Larry Baldwin • 913-945-0016 GOLF Make Your Free Appointment Now! Call 239-201-4560 to speak to a licensed insurance agent. Viscaya Center  1401 Viscaya Pkwy., Unit 2 Cape Coral, FL 33990 �at�y��nsurance�p�onsFL.co�  Insurance�p�ons���com Medicare & Health Plans WE CAN HELP! Kathy & Katherine Thousand Insurance agents for over 20 years MEDICARE Supplements  RX Plans  Advantage THE ANNUAL TARA WOODS YARD SALE BOXES FOR SERVICE MEN AND WOMEN The Annual Tara Woods Yard Sale took place on January 18th along Shiloh Lane. Tables full of residents’ “stuff” of all kinds lined the entire street and all around the parking lot east of the Tennis Courts. Before dawn the merchandise began to appear and by 7:00 AM the tables and vendors were ready and waiting for consumers from the community and the general public to arrive and peruse their wares.

Ken Atkinson ordered beautiful weather with a little wind in the late morning that we could have done without – we forgive you, Ken! Sales were good and participating sellers went home with far less than they came with, while buyers were laden down with their treasures.

No one had to go home hungry. Bill Black sold snacks, and delicious baked goods were also available for sale. We will packing the boxes to go to service men and women on Saturday, March 21st, so please have the names and addresses of those you want us to send boxes filled with cookies, treats and items to Beth Ferris by Saturday, March 14th. We would appreciate any donations to help defray the cost of mailing the boxes and also for the items enclosed. Any questions, call Beth Ferris or Ann Scott to contribute cookies. Thank you for your help this year and in the past. Beth Ferris

Will Your Money Last as Long as You Do?

What do your fellow citizens fear most? Almost half of them – 49% – are most afraid of running out of money during retirement, a higher percentage than the 44% whose chief concern is failing health, according to a recent survey by Aegon Center for Longevity and other groups. What steps can you take to help ensure your money will last as long as you do? Here are a few suggestions:  Estimate your longevity. None of us can say for sure how long we’ll live. However, you can make some educated guesses based on your health and family history. And once you do have at least a ballpark figure, you can then determine about how much money you may need to last the rest of your lifetime. A word of caution: It’s probably going to be more than you think. Health care costs alone can run into the hundreds of thousands, even with Medicare.  Determine when you’ll retire. Your retirement age will have a big impact on how long your money can last. The longer you work, the more you can contribute to your retirement plans, such as your IRA and 401(k). Plus, if you have health insurance through work, you should be able to cover some of the out of pocket health care costs you’d normally have to pay if you’re retired.  Invest as much as you can in your retirement. During your working years, contribute as much as you can afford to your IRA and your 401(k) or similar employer-sponsored retirement plan. And every time you get a raise, try to increase the amount you put into your employer’s plan.

 Protect yourself from long-term care costs. If you’re fortunate, you’ll never needany type of long-term care, such as an extended stay in a nursing home or the services of a home health care provider. Still, there are no guarantees, and long-term care expenses can be big enough to threaten your retirement savings. The average cost for a private room in a nursing home is about $100,000 per year, while a home health aide costs about $50,000 per year, according to the insurance company Genworth. Medicare typically pays just a small portion of these amounts, so you may want to purchase a long-term care insurance policy that will pay for qualified long-term care costs. Or you might consider a “hybrid” policy, which combines long-term care protection with life insurance. So, if you never needed long- term care, your hybrid policy would pay a death benefit to your beneficiary, but if you did need the care, your policy would pay benefits toward those expenses.  Choose an appropriate withdrawal rate. During your retirement, you’ll need to withdraw money from your IRA, 401(k) and other retire- ment accounts. But you’ll want to avoid taking out too much each year, especially during the early years of your retirement. It’s impor- tant to establish an annual withdrawal rate that’s appropriate for your needs, taking into account your age, sources of income, lifestyle and other factors. The thought of running out of money during retirement is scary indeed – but by making smart choices, you can go a long way toward alleviating this fear and enjoying your life as a retiree.

This article was written by Edward Jones for use by your local Edward Jones Financial Advisor. Edward Jones, its employees and financial advisors are not estate planners and cannot provide tax or legal advice.

Edward Jones, its employees and financial advisors are not estate planners and cannot provide tax or legal advice. You should consult your estate-planning attorney or qualified tax advisor regarding your situation.

“Adam Hromiak AAMS, CRPC is a Financial Advisor with Edward Jones Investments in Cape Coral on 3571 North Del Prado Blvd. Suite 7 Entrada Plaza, 1/2 mile West of Rt. 41. He can be contacted at (239) 731-6338”